Indian Bank FD Calculator
Indian Bank FD Rates on Domestic/NRE/Capital Gains Type B/Tax Saver Fixed Deposits of less than Rs 2 crore - General Citizens
| Tenure | Interest rate p.a. (General citizens) |
| 7 days to 14 days | 2.8 |
| 15 days to 29 days | 2.8 |
| 30 days to 45 days | 3 |
| 46 days to 90 days | 3.25 |
| 91 days to 120 days | 3.5 |
| 121 days to 180 days | 3.75 |
| 181 days to less than 9 months | 4 |
| 9 months to less than 1 year | 4.4 |
| 1 year | 5.45 |
| Above 1 year to less than 2 years | 5.5 |
| 2 years to less than 3 years | 5.55 |
| 3 years to less than 5 years | 5.75 |
| 5 years | 5.65 |
| Above 5 years | 5.65 |
| 610 days (IND UTSAV 610)* | 6.1 |
Note: The FD interest rates are effective as of 24 August 2022
Indian Bank FD Rates on Domestic/NRE/Capital Gains Type B/Tax Saver Fixed Deposits of less than Rs 2 crore - Senior Citizens
| Tenure | Interest rate p.a. (Senior citizens) |
| 7 days to 14 days | 2.8 |
| 15 days to 29 days | 3.3 |
| 30 days to 45 days | 3.5 |
| 46 days to 90 days | 3.75 |
| 91 days to 120 days | 4 |
| 121 days to 180 days | 4.25 |
| 181 days to less than 9 months | 4.5 |
| 9 months to less than 1 year | 4.9 |
| 1 year | 5.95 |
| Above 1 year to less than 2 years | 6 |
| 2 years to less than 3 years | 6.05 |
| 3 years to less than 5 years | 6.25 |
| 5 years | 6.15 |
| Above 5 years | 6.4 |
| 610 days (IND UTSAV 610)* | 6.25 |
Note: The FD interest rates are effective as of 24 August 2022
Indian Bank Interest Rates on Domestic/NRE/Capital Gains Type B/Tax Saver Fixed Deposits of Rs 2 crore to less than Rs 5 crore - General Citizens
| Tenure | Interest rate p.a. (General citizens) |
| 7 days to 14 days | 2.9 |
| 15 days to 29 days | 2.9 |
| 30 days to 45 days | 2.9 |
| 46 days to 90 days | 2.9 |
| 91 days to 120 days | 2.9 |
| 121 days to 180 days | 2.9 |
| 181 days to less than 9 months | 3.9 |
| 9 months to less than 1 year | 3.25 |
| 1 year | 3.55 |
| Above 1 year to less than 2 years | 3.25 |
| 2 years to less than 3 years | 3.25 |
| 3 years to less than 5 years | 3.25 |
| 5 years | 3.25 |
| Above 5 years | 3.25 |
Note: The FD interest rates are effective as of 24 August 2022
Indian Bank Interest Rates on Domestic/NRE/Capital Gains Type B/Tax Saver Fixed Deposits of Rs 2 crore to less than Rs 5 crore - Senior Citizens
| Tenure | Interest rate p.a. (Senior citizens) |
| 7 days to 14 days | 3.4 |
| 15 days to 29 days | 3.4 |
| 30 days to 45 days | 3.4 |
| 46 days to 90 days | 3.4 |
| 91 days to 120 days | 3.4 |
| 121 days to 180 days | 3.4 |
| 181 days to less than 9 months | 4.4 |
| 9 months to less than 1 year | 3.75 |
| 1 year | 4.05 |
| Above 1 year to less than 2 years | 3.75 |
| 2 years to less than 3 years | 3.75 |
| 3 years to less than 5 years | 3.75 |
| 5 years | 3.75 |
| Above 5 years | 4 |
Note: The FD interest rates are effective as of 24 August 2022
Interest Rates of FCNR (B) and RFC Deposits
| Currency | 1 year to less than 2 years | 2 years to less than 3 years | 3 years to less than 4 years | 4 years to less than 5 years | 5 years |
| USD | 2.9 | 3 | 3.1 | 3.1 | 3.1 |
| GBP | 2 | 2.2 | 2.25 | 2.25 | 2.25 |
| EUR | 0.02 | 0.01 | 0.01 | 0.1 | 0.15 |
| JPY | 0.11 | 0.13 | 0.12 | 0.13 | 0.14 |
| CAD | 1.81 | 2.36 | 2.6 | 2.66 | 2.67 |
| AUD | 1.2 | 1.7 | 2.05 | 2.3 | 2.45 |
| CHF | 0 | 0.01 | 0.02 | 0.03 | 0.05 |
| SGD | 0.27 | 0.4 | 0.49 | 0.55 | 0.61 |
Note: The FD interest rates are effective as of 2 August 2022
Foreclosure Charges
| Period of Deposit | Deposits up to Rs. 5 lakhs | Deposits above Rs. 5 lakhs |
| Less than 7 days | No interest will be credited | No interest will be credited |
| 7 days and above | “No penalty if deposits are kept for at least 181 days, i.e. the eligible interest rate will be the relevant card rate for the actual period run on the date of deposit. | |
| If deposits are closed before 181 days: the applicable rate will be the relevant card rate for the actual time run prevailing on the day of deposit, less 1% p.a. as foreclosure charges” | Applicable rate will be the relevant card rate for the actual time run prevailing on the day of deposit, less 1% p.a. as foreclosure charges |
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Disclaimer:
This calculator is meant to be used for indicative purposes only. It is designed to assist you in determining the appropriate amount of prospective investments. This calculator alone is not sufficient and shouldn’t be used for the development or implementation of any investment strategy. Upstox does not take the responsibility/liability nor does it undertake the authenticity of the figures calculated therein. Upstox makes no warranty about the accuracy of the calculators/reckoners. The examples do not claim to represent the performance of any security or investments. In view of the individual nature of tax consequences, each investor is advised to consult his/her own professional tax advisor before making any investment decisions on the basis of the results provided through the use of this calculator.